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Response Template for "Fraudulent Transaction – Card Present"

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Chargeback Response

Dear Recipient,

We are responding to the chargeback dispute for transaction ID Transaction ID dated Transaction Date in the amount of Transaction Amount.

This transaction was a legitimate Transaction Type completed at Store Location where the cardholder was physically present.

The following verification methods were used during this transaction:

Card Verification
Authentication Method
The card's security features were verified by our trained staff

Transaction Details:

Cardholder Name: Cardholder Name
Last 4 Digits of Card: Last 4 Card Digits
Authorization Code: Authorization Code
Terminal ID: Terminal ID

Additional Security Measures (Optional)

Supporting Documentation Attached:

Signed receipt/transaction record
POS Evidence
Additional Evidence

Additional Documentation Description (Optional)

Based on the evidence provided, we respectfully request that this chargeback be reversed as the transaction was legitimate, properly authorized, and completed with the genuine cardholder present at our location.

Additional Comments (Optional)

Sincerely,

Your Name
Your Title
Company Name
Contact Phone
Contact Email

Effective Date: August 12, 2025

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Card-present fraud made up 36% of all fraud losses, with merchants eating $4.41 in costs for every dollar of fraud. It gets even worse when you know the customer, have security footage or ask for extra verification right at checkout. You followed the protocol by the book – yet here you are, defending your business.

A weak response versus a well-put-together one can decide your outcome. Strong replies can cut losses by as much as 45%. On top of the immediate financial hit, if you keep losing these disputes it hurts your reputation as a merchant. Processing rates will increase – or worse, your account can get shut down. Strong documentation also protects against friendly fraud patterns in which legitimate customers falsely claim fraud after buyer’s remorse sets in. It’s just a good idea overall.

Templates for card-present fraud replies have three big benefits. First, it makes sure that you present all your evidence – EMV chip data, signature comparisons, transaction logs – in just the order that the card networks expect. Second, it helps you stay compliant with particular reason code laws that differ between Visa, Mastercard and other processors. Third, templates save you hours while helping you win more cases.

This template takes care of the exact evidence laws for card-present fraud disputes, with dedicated sections for terminal readings, PIN verification and in-person authentication methods that don’t apply to online transactions.